Business financing
Financing should not be the bottleneck in your growth
Tight cash flow, a machine to replace, an order too large for your working capital: these situations play out in days, not quarters. We work at that pace.
- Amount
- €5,000 to €500,000
- Structures
- inc., partnership, sole trader
- Answer
- within 24 to 72 h
Business financing
What we finance
Working capital needs, acquisition of equipment or commercial vehicles, fitting out premises, buying out shares, inventory or order financing, advances against receivables. We work equally with a young structure and with an established company that would rather not tie up its cash.
Representative example
For a loan of 10,000 € over 24 months at a fixed annual percentage rate of 3,50% (fixed borrowing rate of 3,50%), excluding optional insurance: 24 monthly payments of 432.03 €. Total amount payable: 10,368.72 €, of which 368.72 € in interest. Offer subject to approval of your file by the lender.
Overview
What you gain
A properly built bank file
Most refusals come down to a poorly presented file, not a fragile company. We build the file with you before submitting it.
Lease or loan: the right tool
Operating lease, finance lease, conventional loan or factoring: the impact on your balance sheet and cash flow differs. We weigh it up with you.
Lenders specialised by sector
Transport, construction, food service, healthcare, retail: some financiers know your trade and read your ratios correctly.
Guarantees discussed, not imposed
Personal guarantee, pledge, public guarantee scheme: we systematically try to limit your personal exposure.
Who it is for
- Corporation, sole proprietorship or self-employed worker
- At least one closed fiscal year, or a solid plan for a start-up
- An identified need between €5,000 and €500,000
- All sectors, including those banks consider "difficult"
Conditions and documents
- Last two sets of financial statements (or projections for a start-up)
- Last six business bank statements
- Company registration extract
- Quote or purchase order for equipment financing
- Photo identification of the director or directors
Borrowing money costs money and must be repaid. Check your repayment capacity before committing. This application is not a credit offer and does not bind any lender.
FAQ
Questions about this solution
A bank refusal is not a verdict on your company: it is the output of an internal grid. Other financiers apply other criteria, and a significant share of our completed files had already been refused elsewhere.
Often requested, but negotiable. Depending on the file, a public guarantee, a pledge on equipment or a partial guarantee can replace or limit it.
Yes, with solid projections and usually a contribution. The amounts available are smaller and guarantees more present, but solutions exist.
Your project deserves better than a rate picked at random
Complete the application in five minutes. An advisor gets back to you within 24 business hours with a preliminary answer and, where possible, a costed proposal.
Several lenders compared Preliminary answer within 24 business hours A dedicated advisor you can actually reach